Strategi Pengelolaan Keuangan Praktis dan Solusi Permodalan Bagi UMKM

Abstract

For MSMEs, there are several steps that can be taken to manage finances well, namely starting to separate personal and business finances, and starting capital management. For beginner MSMEs, managing business capital well is an important point. The capital factor is one of the absolute factors needed to establish a business. However, sufficient capital alone does not guarantee the success of a business if it is not managed properly. Business capital has various purposes, such as the purpose of increasing stock of goods, the purpose of carrying out digital marketing promotions, to carry out endorsements with influencers, and so on. With the many purposes or functions of business capital, of course you must understand how to manage business capital wisely. Making financial planning has a very big influence. This financial planning must be made in detail and carefully. Pour out all the needs in developing a business, and make a projection of the budget or capital needed in business planning. This is useful so that MSMEs do not go overboard in using the existing business capital. It is important for beginner MSMEs to separate personal accounts and business accounts. Often many beginners allow their personal accounts to be combined with business accounts. As a beginner in building a business, there is nothing wrong with consulting a lot with more experienced business people. One effort that can be done is to join the MSME community. The community can be the right place to share information and at the same time expand networks in doing business. In building a business, it is common for MSMEs to get capital sources from debt. Debt can be with a bank, debt from family, relatives, or even Fintech. Of course, debt can be a solution for business capital for the sustainability of the MSME that you are building. However, business capital that comes from debt, if not managed properly will be a problem in the future. Especially if it violates the agreement that has been previously agreed upon. Debt to family, friends, or relatives, if late or negligent in paying will have an impact on strained relationships. If you have debt to a financial institution such as a bank or Fintech, of course there is interest that must be paid as a form of responsibility.